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Michelle Spires

Freelance Business Plan Writer & Children's Book Writer

1152
Location:Raleigh, North Carolina, United States
Phone: 6786139540
Profile:https://www.freelanced.com/michellespires
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Michelle Spires

Offering stable and knowledgeable expertise in Accounting, Business Development
and Property Acquisitions.
SKILLS AND ABILITIES:
* DU, LP, DO for decision assistance in processing residential mortgages.
* Utilize Sales and negotiation skills for residential mortgages.
* Calculated tax returns to determine income for self-employed borrowers.
* Reviewed Asset Documents and Paystubs to determine DTI qualification.
* Reviewed and analyzed residential appraisals to determine the LTV of the subject
property.
* Reviewed Title Searches for accuracy and to determine first lien holder.
* Maintained General Ledger, Accounts Payable, Accounts Receivable and Bank
Reconciliations.
Employment History
Employer: Placidity Investments, LLC
Title: Small Business Development Consultant
Location: Durham, NC
Duration: 7/2011- Present
Job Duties: Prepared automated accounting structures for small businesses.
Prepared business plans and marketing plans for start up ventures and business
expansions. Tax accounting for sole proprietors, LLC’s, S&C corps. Maintained
automated payroll for 5 small businesses with a total of 150 employees. Landed
transactional funding for residential and commercial property acquisitions.
Employer: LBPS Mortgage Servicing/ IBM, Inc.
Title: Mortgage Modification Analyst/ Investor Reporting Researcher
Location: Durham, NC
Duration: 11/2010 – 6/2011
Job Duties: Research rejected modifications from the primary investor to reconcile
modification terms and conditions for servicer. Managed net calculations to bridge
modification between the servicer (LBPS) and investor (FNMA). Developed Excel
Spreadsheets to maintain daily pipeline and calculations. Efficient in PULSE, SCI and
LAR/ Surf to maintain and reconcile borrower records. Utilized creative writing skills
with Microsoft Word in proposal writing and negotiations of secondary marketing to
the investors.
Employer: New Horizons Alternative School
Title: Elective Instructor
Location: Durham, NC
Duration: 3/2008 – 05/2010
Job Duties: Acquired Special education resources for academically challenged
students. Provided resources for at- risk youth to accomplish public speaking ability.
Instructed At-Risk youth in personal finance and entrepreneurial ventures. Mentored
At- Risk youth between the ages of 15 – 22 in financial literacy. And coached atrisk
youth in self-improvement, self-esteem and self-motivation.
15
Employer: Meta Bank
Title: Mortgage Account Manager/ Underwriter
Location: Mclean, VA
Duration: 6/2002-02/2008
Job Duties: Reviewed residential mortgage loan files for potential borrowers such
as: Purchases, Refinance and, home equity. Managed accounts in delinquent status.
DTI configuration for program guidelines and verifying credit worthiness. Maintained
mortgage software designed for Meta Bank to service mortgage accounts. Awarded
Lending Authority of $635,000. Verified all details of prospecting borrower. Strong
detail orientation. Payment posting, Light typing and 10 key punch. All duties
performed in a high volume call center environment.
Employer: Bank of America
Title: Home Service Specialist
Location: Richmond, VA
Duration: 09/1999 - 06/2002
Job Duties: Awarded lending authority of $322,000. Managed pipeline of 70+
Loans. Utilized customer service skills by contacting the borrower daily through out
the process of the loan. Ordered payoff, title search. Reviewed credit worthiness,
calculated income. W2&'s, paystubs, tax returns and commissioned borrowers.
Reviewed appraisals and ordered and reviewed title binder. Utilized and maintained
all regulation laws and RESPA documentation. All communication transactions
performed in a call center environment.
EDUCATION
Major: Accounting/Finance
School: Kean University
Location: Union, NJ
Degree: Bachelors of Science
Completion Date: 12/1992
Major: Business Administration
School: Bakers College Online
Location: Online
Degree: Masters
Completion Date: Currently Enrolled
HONORS AND ACTIVITIES Treasurer of the Economics Society at Kean Univresity
3 years.
References: Furnished upon request